Westchester County and Rye City property record for 45 Harbor Terrace Dr, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,648 sqft · built 1923 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,300,000 (Jul 2022) |
| Tax Bill | $45,962 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jan 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 153-6-1-16 |
| Primary APN | 551400 153-6-1-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,648 sqft Living Area |
| 1st Floor Area | 1,639 sqft |
| 2nd Floor Area | 1,644 sqft |
| Upper Floors Area | 365 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 18,731 sqft (0.43 acres) |
| Street Address | 45 HARBOR TERRACE DR |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-2455 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Subdivision | HARBOR TERRACE |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 7500 |
Source: Westchester County and Rye City records · APN 551400 153-6-1-16
Assessment roll updated May 14, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 HARBOR TERRACE DR, RYE, NY 10580-2455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 21, 2021 | Intrafamily Transfer, Transfer FUTURE TITLE AGENCY INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2022 · Amount on Record |
| Deed Sale | Jul 21, 2022 · Amount on Record |
| Prior Sale | Jul 06, 2011 · Amount on Record |
| Deed Document Number | 20223521 |
| Prior Transfer Date | Jan 12, 2021 |
| Prior Transfer Doc | 0610123693 |
| Record Updated | Jun 08, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Jul 21, 2022 |
| Property Address | 45 HARBOR TERRACE DR, RYE, NY 10580-2455 |
| Document Number | 0621733521 |
| Map Reference | MAP 2392 |
| Instrument Date | Jul 06, 2022 |
| Instrument | 621733521 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | CATIC TITLE INSURANCE COMPANY, CATIC TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 HARBOR TERRACE DR, RYE, NY 10580-2455 |
| Name | Verified Name |
|---|---|
| Address | 23 ELMWOOD AVE, RYE, NY 10580-3401 |
| Document Number | 0622004059 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 622004059 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Jan 21, 2021 |
| Property Address | 45 HARBOR TERRACE DR, RYE, NY 10580-2455 |
| Document Number | 0610123693 |
| Map Reference | MAP 7394 |
| Instrument Date | Jan 12, 2021 |
| Instrument | 610123693 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | FUTURE TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1 WHITE BIRCH DR, RYE, NY 10580-2438 |
Source: Westchester County and Rye City records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Rye City |
| Unified School District | Rye City School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $45,962.00 | $35,500 (-) Land $8,900 Building $26,600 | $3,008,474 (+6.78%) Land $754,237 Building $2,254,237 |
| 2024 | $35,500 (-) Land $8,900 Building $26,600 | $2,817,460 (+2.38%) Land $706,349 Building $2,111,111 | |
| 2023 | $35,500 (-) Land $8,900 Building $26,600 | $2,751,938 (+13.95%) Land $689,922 Building $2,062,016 | |
| 2022 | $35,500 Land $8,900 Building $26,600 | $2,414,966 Land $605,442 Building $1,809,524 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 37 policies |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 50 (1978–2024) |
| Claims Outside the SFHA | 29 of 50 |
| Most Recent Claim | Aug 2024 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 356 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VEOLIA WATER NEW YORK, INC. RD-2 private · serves 57,301 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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